The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,628
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,146
−HK$525/mo
Today · 4.125%
HK$17,671
baseline
▲ 0.50% · 4.625%
HK$18,746
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,342/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,499
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,995
−HK$503/mo
Today · 4.125%
HK$19,498
baseline
▲ 0.50% · 4.625%
HK$20,526
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$38,996/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$630/mo
Today · 4.125%
HK$21,205
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,410/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,794
−HK$604/mo
Today · 4.125%
HK$23,398
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,796/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,280
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$736/mo
Today · 4.125%
HK$24,740
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,480/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,593
−HK$705/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,737
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,931
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,862
−HK$946/mo
Today · 4.125%
HK$31,808
baseline
▲ 0.50% · 4.625%
HK$33,744
+HK$1,936/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,616/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,298
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,191
−HK$906/mo
Today · 4.125%
HK$35,097
baseline
▲ 0.50% · 4.625%
HK$36,947
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,194/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,772 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).